Business Lending

Without the support and expertise of our local bank, we could not have grown as quickly as desired. Our local bank knows our business and always responds to meet our needs. - Eric & Ellen Gil, Owners of Socksmith

Business Lending

Santa Cruz County Bank is the county's leading local lender. We offer competitive pricing on Real Estate lending, Small Business Administration (SBA), Business and Industrial (B&I) and Farm Service Agency (FSA) lending by experienced, creative local lenders. Let us put all the things you desire within your reach! With local decision making, knowledgeable professionals, and exceptional service, you are sure to find Santa Cruz County Bank the premier choice for your lending needs. We are a full service bank that specializes in all aspects of Construction & Commercial Business lending. Find out What Sets Us Apart and Meet our Customers to find out what local business owners are saying about Santa Cruz County Bank.

Contact Us

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We offer:

  • Full complement of revolving and non-revolving lines of credit.
  • Long-term notes for capital needs
  • Short-term notes for various specific needs
  • Merchant services
  • Commercial and Stand-By Letters of Credit
  • And more, just ask!

For an appointment or if you have questions in regard to business loans, please contact:

Fred Caiocca
Fred Caiocca
EVP, Regional Credit Manager
831.457.5003 ext. 2119
Angelo DeBernadro, Jr.
Angelo De Bernardo, Jr.
EVP, Chief Lending Officer
831.457.5003 ext. 2142
Doug Fischer
Doug Fischer
SVP, Commercial Real Estate & Construction Lending
831.457.5003 ext 2149
Marshall Delk
Marshall Delk
VP, Senior Regional Relationship Manager
831.457.5003 ext 2541
Chris Maffia
Chris Maffia
VP, Relationship Manager
831.457.5003 ext 2123
Brent Dunton
Brent Dunton
VP, Business Banking Officer
831.457.5003 ext 2164
Adam Weiss
Adam Weiss
VP, Relationship Manager
831.457.5003 ext 2141
Jaron Reyes
Jaron Reyes
AVP, Relationship Manager
831.457.5003 ext. 2185
Michelle Navarro
Michelle Navarro
AVP, Business Banking Officer
831.457.5003 ext 2240
Christopher Van Zanen
Christopher Van Zanen
AVP, Relationship Manager
831.457.5003 ext 2129

N.M.L.S. Identification Numbers

In order to comply with requirements of the Secure and Fair Enforcement for Mortgage Licensing Act (S.A.F.E. Act), Santa Cruz County Bank provides the following National Mortgage Licensing System and Registry (N.M.L.S.) Identification Numbers for Mortgage Loan Originators.

Adam Weiss - 961880
Angelo DeBernardo Jr. - 637661
Brent Dunton - 1770994
Christina (Chris) Maffia - 637667
Christopher Van Zanen - 1636359
Douglas Fischer - 637663
Frederick Caiocca - 637658

Jaron Reyes - 1326806
Linda Morales - 1641186
Marshall Delk - 1121921
Matthew Ribeiro - 683696
Michelle Navarro - 694703
Shawn Lipman - 839401
Ventura Leon - 708501

Santa Cruz County Bank N.M.L.S ID#: 451345

To access the N.M.L.S. Registry, please visit: nmlsconsumeraccess.org .

Foreclosure Information:

If you cannot afford your monthly mortgage payments and wish to avoid foreclosure, you may be eligible for a loan "workout" or modification. We determine eligibility for loan "workouts" on a case-by-case basis. Among other things, we will consider the value of your property and your ability (based on your current income) to make monthly mortgage payments in accordance with the "workout." You may also qualify to refinance your current loan with us, including a short term payment deferment.

If you are interested in exploring any of the options listed above, you will need to provide us with certain financial information, including the following: your most recent pay stub, list of current monthly expenses, your most recent tax return, bank statements, a current valuation of your property, if available (such as an appraisal) and a written explanation detailing your need for a loan "workout" or modification.

If you would like to discuss your options to avoiding foreclosure with us, please call the Chief Credit Officer of Santa Cruz County Bank at 831.457.5000. You may also contact the Department of Housing and Urban Development (HUD) to find a HUD certified housing counseling agency by calling 1.800.569.4287. Additional information is made available by HUD on its website at hud.gov .

© 2019 Santa Cruz County Bank. All rights reserved.

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